Customer Due Diligence Specialist (m/f/d)
About Ivy
Ivy is building the world’s first programmable bank. We know the bank of the future is going to be fully regulated and stablecoin-native. We believe that the crypto folks are too afraid of full bank charters, while the bank folks know too little about crypto to pull it off. We believe there’s a trillion-dollar opportunity to launch regulated banks built on the blockchain.
Today, we bank the world’s leading crypto platforms (Kraken). Tomorrow, our platform will power global correspondent banking. And who's going to bank all these AI agents? We are certain that if we get this right, Ivy is going to be Europe’s first $1T company.
We are a team of ex-founders, early employees at unicorns, and top-tier talent from fintech and banking and we are backed by the world’s best fintech investors:
Valar - Peter Thiel and the Valar team have been thinking about global money since PayPal times.
Creandum - Previously invested in fintechs like Klarna, Trade Republic, Pleo, iZettle
10+ unicorn founders
As a Customer Due Diligence Manager, you will be responsible for managing Ivy’s customer onboarding and due diligence processes, ensuring that new and existing customers meet regulatory, compliance, and risk management requirements.
This is a hands-on role, you will work closely with Compliance, Risk, and Commercial teams to assess customer profiles, review complex structures, and maintain Ivy’s high standards for customer acceptance.
Key Responsibilities
Manage the end-to-end customer onboarding process, taking full ownership of each case from initiation to final decision.
Execute thorough Customer Due Diligence (CDD) for new users and intensive Enhanced Due Diligence (EDD) for high-risk or complex accounts.
Deconstruct and analyze intricate corporate structures, UBO frameworks, and business models to accurately evaluate risk.
Review proposed transaction flows and proactively flag potential AML, CTF, fraud, or regulatory risks early in the onboarding cycle.
Collaborate directly with the wider Compliance team and the MLRO to navigate, assess, and resolve high-risk or escalated cases.
Conduct ongoing monitoring by actively reassessing customer risk profiles and ensuring all onboarding records remain strictly audit-ready.
Go beyond routine checks by actively contributing to the continuous improvement and scaling of our onboarding processes, risk assessments, and control frameworks.
Requirements
3+ years of practical experience in customer onboarding, compliance, AML/KYC, or financial risk roles.
Deep, hands-on expertise navigating both standard CDD and complex EDD processes.
Proven ability to independently dissect complex corporate structures, UBO chains, and high-risk customer profiles.
Solid background working within a fast-paced, regulated financial services, PSP, or fintech environment.
Sharp attention to detail combined with the ability to make structured, well-reasoned decisions without getting slowed down by ambiguity.
Nice to Have
Direct experience assessing and onboarding crypto or digital-asset merchants.
Hands-on exposure to modern CDD and verification tooling, such as SumSub.
A strong "builder" mindset with a genuine drive to proactively optimize onboarding workflows and internal controls.
What we offer
Join a Dream Team: We focus on building a team of exceptional people who grow fast, take on big challenges, and inspire each other to deliver at the highest level.
No Bullshit: Output over input, bias for action - we move fast and follow through, customer value over internal policies. We believe in big outcomes, not titles or hierarchies.
Real Participation: Employees are shareholders. Every permanent employee participates in our equity program.
Perks & Benefits: Relocation support, Visa Support, the latest Apple gear (MacBook + AirPods), lunch benefit, Gym benefit, a beautiful office in the heart of the city, 4x on-/offsites per year, weekly team dinner, and an annual development budget.